Complaint Review: Wachovia Dealership Services WFS Financial

Please help get this company go out of business!!

I am one of the many complaintants who has had a horrible experience with Wachovia Dealer Services. My mother purchased the car for me in July 2006 before she went home to the Philippines, in her name because I needed a new car but did not want the car on my credit until I had a chance to clean up my credit. Well as we all know, we were affected by the economy downfall this past year or so. I was able to pay online, on time, up until July of 2008 where I started to fall behind in payments.

I recieved a call from a rep from Wachovia named Eddie on August 2, 2008. He said since I am starting to fall behind in payments he offered a deferred payment plan. I would have to pay a $25 fee to set up the deferment for the month of July on my mother's account, so I would have time to catch up. I agreed to pay the $25, authorized Eddie to take out the $25 from my account to get the deferment started, then he said to mail a check for $243.00. Instead what they did was, take out the $25 AND the $243.00! When my check for the $243.00 arrived at the payment center, they went ahead and deposited it 3 times and was returned every time!

They did not call me to inform me of what they did, so when checks were coming through they were returned because of NSF's! My bank charged me $175.00 in NSF's because the same check was being re-deposited. When I called Wachovia to get an explaination of what happened, they were so rude, they said that they could only talk to the account holder (which is my mother) who lives out of the country, yet they called ME to make the initial payment arrangements. I had my mother sign a letter saying that my attorney and myself are authorized to discuss her account. When I faxed them the letter, they in turn told me that the signature on the letter did not match the signature they had on file! WTF? Did they have a handwritting expert on their staff? My mother is elderly, she is 78 years old! No one ever signs thier name the same way every time! No one! So they refused to talk to me about resolving the problem. So December 12, 2008 rolls around.

Around 4 AM the repo folks are at my door saying "we're here for the car" they had their repo people block the car in the carport with the tow truck, I handed them the keys, asked for some documentation of this repo that was happening, which they would not provided only saying contact Wachovia, instead of towing the car, one of the men drove it behind the tow truck.

It is now January 13, 2009, no letter, call or any type of correspondance was sent to my mother regarding the default or the reposession. I asked why nothing was sent to my mother, they said once they did but it was returned. Impossible! Why is my mother able to receive mail to the address given to them but for some reason their correspondance didn't make it to her? Because they LIE!

Today, I get a call from my insurance company saying that Wachovia filed a claim for damages to the car they repossesed!!! What the hell? Why are these people still in business? By law the Bank is required to send a notice to the account holder infoming them of the amount owed and where the car is being stored! Please help! If there is some class action lawsuit or complaint filed against this company I want in! Thanks for your help.

Totally floored
North Hollywood, California
U.S.A.